® 
Reward Type
Shopping
Joining Fee
499₹
Annual Fee
499₹
Features
- Get Amazon gift card worth Rs. 500 on payment of Joining Fee of Rs. 499
Welcome benefits
- Earn 10X rewards on online spends with exclusive partners - Apollo24X7 / BookMyShow / Cleartrip / Eazydiner / Lenskart / Netmeds
- Earn 5X rewards on all other online spends
- e-voucher worth Rs.2,000 on annual online spends of Rs. 1 Lakh
- e-voucher worth Rs.2,000 on annual online spends of Rs. 2 Lakhs
- 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000
Cashbacks & Rewards
Pricing
- Joining Fees Rs. 499
- Annual fees Rs. 499 (waived on annual spends of Rs.1 Lakh)
Documents Required
- Passport size photo (coloured)
- Proof of address (electricity bill, ration card)
- Photo ID Proof (driving licence, voter ID)
- A signed consent form.
Reward Type
Shopping
Joining Fee
499₹
Annual Fee
499₹
Features
- 2000 RPs on spending Rs. 2,000 (Within 60 days post card setup)
Welcome benefits
- Enjoy 10 Reward Points per Rs.150 spent on Dining, Movies, Departmental Stores and Groceries
- On all your other spends, earn 1 Reward Point per Rs. 150 spent
- 1% fuel surcharge at any petrol pump on transaction amt between Rs. 500 to Rs. 3,000 at any petrol pump
- 1 Reward Point = Rs. 0.25
Cashbacks & Rewards
Pricing
- Joining Fees Rs. 499
- Annual fees Rs. 499 (waived on annual spends of Rs.1 Lakh)
Documents Required
- Passport size photo (coloured)
- Proof of address (electricity bill, ration card)
- Photo ID Proof (driving licence, voter ID)
- A signed consent form.
Reward Type
Shopping
Joining Fee
₹500
Annual Fee
₹500
Features
- 2,000 Bonus Reward Points
Welcome benefits
- 1 Reward Point on every Rs. 100 spent everywhere except Fuel
- Earn 20 Reward Points for every Rs.100 spent on Groceries (Maximum 1,000 Reward Points in a month)
- Get 10% discount (up to Rs. 100) on movie tickets at BookMyShow 15 times a year
- Tank up with Shoprite Credit Card with waiver of fuel surcharge at all fuel stations (Valid for fuel transactions between Rs. 500 and Rs. 4,000. Maximum waiver of Rs. 100 per month).
Cashbacks & Rewards
Pricing
- Joining Fees Rs. 0
- Annual fees Rs. 500 (Waived on annual spends of Rs. 1.5 lacs)
Documents Required
- Passport or Driving License or Aadhaar or Voter ID
- Utility bill with current address
- Passport or Driving License or Aadhaar or Voter ID OR
- 3 months bank statement or Govt photo ID or Credit Card statement or Insurance policy or Vehicle registration or Spouce Passport or Marriage certificate, etc
- Aadhaar copy
- 1 Month credit card statement should not be older than 2 months/3 months salary slips
Reward Type
Shopping
Joining Fee
1499₹
Annual Fee
1499₹
Features
- Get a Noise ColorFit Pulse Smart Watch worth Rs. 4,999 on payment of Joining Fee
Welcome benefits
- Earn 10 Reward Points per Rs.100 spent on Chemist, Pharmacy, Dining and Movies
- Earn 2 Reward Points per Rs.100 spent on all other spends
- Get Rs.1500 voucher on spending Rs. 4 Lakhs in a year
- 8 Complimentary Domestic Lounge visits a year capped at 2 per quarter
- Enjoy 1 year free FITPASS PRO and free Netmeds memberships
- 1 Reward Point = Rs. 0.25
Cashbacks & Rewards
Pricing
- Joining Fees Rs. 1499
- Annual fees Rs. 1499 (Waived on annual spends of Rs. 2 Lakh)
Documents Required
- 2 passport size color photos
- AID Proof(any one) - passport, drivers license, voters ID, PAN, Aadhaar card
- Address Proof (any one)- Passport, drivers license, voters ID, Aadhaar card, Electricity bill, Telephone bill, Postpaid mobile phone bill, Bank account/Post Office savings bank account statement
- Salaried - Latest 3 Months salary slip (or) Last 3 months' bank statements
- Self-employed - Last year ITR along with Bank Statement for last 3 months and Form 16
Reward Type
Shopping
Joining Fee
Annual Fee
NA
Features
- Get MakeMyTrip voucher worth Rs. 3000
Welcome Benefits
- 5 Travel Reward Points for every Rs. 100 spent on travel
- 2 Travel Reward Points for every Rs.100 spent on other categories
- Get complimentary golf rounds & golf courses across the country
- 0% markup fee on all international spends
- Get 10,000 bonus Travel Reward Points on spends of Rs. 2.5 lakhs in a year
- Get 15,000 Travel Reward Points on spends of Rs. 5 lakhs in a year
- Get additional Gift Card worth Rs. 10,000 from brands like Taj experiences, Amazon, Croma, Myntra & Makemytrip on annual spends of Rs. 7.5 lakhs in a year
- 1 Reward point = Rs. 0.25
Cashbacks & Rewards
Pricing
- Joining Fees Rs. 3,000
- Annual fees Rs. 3,000
Fees
Documents Required
- Passport or Driving License or Aadhaar or Voter ID
- Utility bill with current address
- Passport or Driving License or Aadhaar or Voter ID OR
- 3 months bank statement or Govt photo ID or Credit Card statement or Insurance policy or Vehicle registration or Spouce Passport or Marriage certificate, etc
- Aadhaar copy
- 1 Month credit card statement should not be older than 2 months/3 months salary slips
Reward Type
Shopping
Joining Fee
Annual Fee
NA
Features
- Get 10% cashback on groceries (Upto Rs. 100 per month)
- Get 10% cashback on BookMyShow, Swiggy & Utility bill payments through RBL MyCard app (upto Rs. 100 per month per category)
- Get 2 Reward Points on every Rs. 100 spent online
- Get 1 Reward Point on every Rs. 100 spent offline (except fuel)
- 1 Reward point = Rs. 0.25
Cashbacks & Rewards
Pricing
- Joining Fees Rs. 75 per month
- Annual fees Rs. 75 per month (waived on monthly spends of Rs. 3000 or more)
Fees
Documents Required
- Passport or Driving License or Aadhaar or Voter ID
- Utility bill with current address
- Passport or Driving License or Aadhaar or Voter ID OR
- 3 months bank statement or Govt photo ID or Credit Card statement or Insurance policy or Vehicle registration or Spouce Passport or Marriage certificate, etc
- Aadhaar copy
- 1 Month credit card statement should not be older than 2 months/3 months salary slips
Reward Type
Shopping
Joining Fee
Annual Fee
NA
Features
- Get 10,000 Reward points on payment of joining fee
Welcome Benefits
- Get a complimentary movie ticket every month (up to Rs. 200 on purchase of 2 or more tickets at BookMyShow)
- Get 10 Reward Points for every Rs.100 spent on dining, entertainment, fuel, utility bill payments & international purchases
- Get 2 Reward Points for every Rs.100 spent on all other spends
- Get 2 Complimentary Domestic Aiport lounge visits every quarter
- Get 10,000 Reward Points on annual spends of Rs. 2 Lakhs
- Get 10,000 Reward Points on crossing annual spends of Rs. 3.5 lakhs
- Get 10,000 Reward Points on crossing annual spends of Rs. 5 lakhs
- 1 Reward point = Rs. 0.25
Cashbacks & Rewards
Pricing
- Joining Fees Rs. 2,500
- Annual fees Rs. 2,500
Fees
Documents Required
- Passport or Driving License or Aadhaar or Voter ID
- Utility bill with current address
- Passport or Driving License or Aadhaar or Voter ID OR
- 3 months bank statement or Govt photo ID or Credit Card statement or Insurance policy or Vehicle registration or Spouce Passport or Marriage certificate, etc
- Aadhaar copy
- 1 Month credit card statement should not be older than 2 months/3 months salary slips
Features
- Get 20,000 Reward points on payment of joining fee
Welcome Benefits
- Get 1+1 Movie ticket offer (Upto Rs. 200) twice a month at BookMyShow
- Get 20 Reward Points on every Rs.100 spent on international and dining spends on weekends
- Get 2 Reward Points on every Rs.100 spent elsewhere
- Get 10,000 Reward Points on annual spends of Rs. 3 Lakhs
- Get 15,000 Reward Points on crossing annual spends of Rs. 5 lakhs
- Get 20,000 Reward Points on crossing annual spends of Rs. 8 lakhs
- Get 2 Complimentary Domestic Aiport lounge visits every quarter
- Enjoy waiver of fuel surcharge across all fuel stations (valid for fuel transactions between Rs. 500 and Rs. 4,000)
- Get access to global iconic events like Formula 1 races, special awards nights & other exclusive sports events
- 1 Reward point = Rs. 0.25
Cashbacks & Rewards
Pricing
- Joining Fees Rs. 5,000
- Annual fees Rs. 5,000
Fees
Documents Required
- Passport or Driving License or Aadhaar or Voter ID
- Utility bill with current address
- Passport or Driving License or Aadhaar or Voter ID OR
- 3 months bank statement or Govt photo ID or Credit Card statement or Insurance policy or Vehicle registration or Spouce Passport or Marriage certificate, etc
- Aadhaar copy
- 1 Month credit card statement should not be older than 2 months/3 months salary slips
Shopping Credit Cards
Shopping credit cards are curated to reward cardholders for their shopping expenses. They offer ample rewards in the form of points or cashback, which can be redeemed for merchandise, travel, or other rewards. Some cards may offer other benefits like discounts on shopping bills, welcome benefits in the form of discount coupons, e-vouchers, etc. While some cards offer additional benefits with co-branded platforms, others offer plenty of rewards on all kinds of online shopping. Apply for a shopping credit card on CreditMantri. We offer a variety of shopping credit cards from a pool of lenders. Choose the card that is most suitable for you by comparing between the cards.
Top Shopping Credit Cards 2023
Credit Card | Annual Fee | Key Feature |
|---|---|---|
SBI SimplyClick Credit Card | Rs. 499 | 10x reward points on purchases from partner brands and 5% of reward points on transactions done for online merchants. |
SBI SimplySave Credit Card | Rs. 499 | Enjoy 10x reward points per Rs. 150 spent on movies, dining, groceries, and departmental stores |
RBL Shoprite Credit Card | Rs. 500 | 10% discount on movie tickets 5% value back on your grocery shopping Welcome benefit of 2000 reward points |
SCB Manhattan Platinum Card | Rs. 999 | 5% cashback at supermarkets |
SCB Digismart Card | Rs. 49 monthly | Discount on online spends and online grocery shopping with no minimum spends |
Pulse SBI Credit Card | Rs. 1,499 | 10 reward points for spends of each Rs. 100 on pharmacy, chemists, movies, and dining (4 RP = Rs. 1) |
SCB Smart Card | Rs. 499 | 2% cashback on online spends |
RBL World Safari Credit Card | Rs. 3000 | 2 travel points per Rs. 100 on all categories and 5 travel points per Rs. 100 spent on travel |
RBL Platinum Maxima Plus | Rs. 2500 + GST | Welcome bonus of 10,000 rewards points 30,000 bonus reward points in a year |
Key Features of The SBI SimplyClick Credit Card
1. Welcome gift – Amazon gift card worth Rs. 500 on paying the annual fees of Rs. 499 + taxes.
2. E-shopping rewards –
a. Get 10X reward points on online spending with exclusive partners- BookMyShow / Apollo 24X7 / Cleartrip / Eazydiner/ Lenskart / Netmedsb. Obtain 5X reward points on all other spends
3. Milestone rewards –
a. Get an e-voucher worth Rs. 2,000 on annual spending of Rs. 1 lakh.b. Get an e-voucher worth Rs. 2,000 on annual spending of Rs. 2 lakhs.
4. Fuel surcharge waiver –
a. Avail of a 1% fuel surcharge waiver on every transaction between Rs. 500 to Rs. 3,000.5. Annual fee reversal –
a. Get the annual fee of Rs. 499 waived off on spending Rs. 1 lakh in the previous year.6. Contactless technology –
a. Get the benefit of the no-contact transaction facility. Just wave your card to complete the transaction.Key features of the RBL Shoprite Credit Card
- Joining fee of INR 500 that has to be paid at the year end
- Welcome benefits of 2000 reward points
- Annual fee reversal of Rs. 500 for spends of over 1 lakh during the prior year
- 1 reward point for spends of each Rs. 100 on all your buys except fuel
- 20 reward points on INR 100 spent on grocery shopping
- 10 reward points for each INR 100 spent on fuel
- No surcharge acceptable between INR 500 and INR 4000
- 10% discount (Up to Rs. 100 on your movie tickets at BookMyShow ( Upto 15 times in a year)
Key Features of The SCB Manhattan Platinum Card
- 5% cashback on grocery shopping
- Upto 3x rewards on all your transactions.
- Earn 5,000 credit card reward points on paying the joining fee
- Offers discounts across categories such as cosmetics, apparels, food, travel, electronics, etc. You can avail amazing offers at select merchant stores
- With the bank’s ‘Good Life Programme’, the cardholder can access exclusive privileges across multiple luxury brands such as shopping, dining and travel.
Features and Benefits of Shopping Credit Cards
- Reward Points: A shopping credit card can be used to earn reward points on movie tickets, dining, shopping, etc. You can accumulate reward points and redeem them later.
- Welcome Benefits: You can get welcome benefits in the form of vouchers for categories such as movies, fashion, etc. with shopping credit cards.
- Fuel Surcharge Waiver: You can enjoy a fuel surcharge waiver on specific amounts of fuel purchases
- Discounts: Many shopping credit cards provide sure-shot discounts or offers, especially on dining at partner restaurants in major cities.
Eligibility Criteria For Shopping Credit Cards
- Nationality: You must be an Indian citizen
- Age: You must be minimum 21 years
- Employment Status: You can either be salaried or self-employed
- Credit Score: You must have a really good credit score and credit history
Documents Required For Shopping Credit Cards
Address Proof | Either one of the following
|
Identity Proof |
|
Income Proof |
|
Application Form | Duly signed in the application form |
Photos | Passport size photograph |
Things To Keep In Mind When You Choose A Shopping Credit Card
- Rewards and Benefits: Whenever you look for a shopping credit card, you should look at advantages such as welcome benefits, discounts on shopping bills, higher reward points, generous cashback, etc.
- Fees and Charges: Shopping credit cards come along with certain fees and charges such as joining and annual fees, GST, processing fees, cash advance fees, interest payments, and penalties. An applicant must take into account all such charges before applying for a card. Then only you can gain the maximum from the card. Finally, you must not end up paying more with respect to fees and charges than what you actually earn from it.
- Welcome Benefits: Many shopping credit cards come with welcome benefits that you can avail of if you spend a certain amount within a few days of activating your card. These gifts can either be in the form of bonus reward points or coupons. You should however check for other benefits and fees when you select a credit card. This is because some cards may entice you with huge welcome benefits but may not provide much with respect to other benefits and might come with high joining and renewal fees.
- Hidden charges and penalties: Some credit cards have hidden fees which the individuals who apply for the card will be unaware of. You must be careful to check these before applying for a shopping credit card. Also, you must check the effect of penalties when you default on your credit card bills. Considerable penalties will make it difficult for the consumer to pay high.
- Your Requirements: You should get a credit card based on what you plan to use it for. For example, if you shop regularly on e-commerce websites, then use the credit card best suited for online shopping. For example, The Amazon Pay ICICI Bank Credit Card caters to those who shop majorly on Amazon. If you are someone who frequently travels through Air, then credit cards that provide exclusive lounge access can be a great fit for you.
Types of Shopping Credit Cards
- Cashback Credit Cards: Cashback shopping credit cards will give you back a percentage of transaction amount as cashback. The cashback amount varies across retailers. If you are a regular with some brand, then you should choose a credit card that offers maximum cashback on that brand.
- Rewards Shopping Credit Cards: These credit cards offer reward points across all categories of purchases. These points can be redeemed for travel, merchandise, or other rewards.
- Travel shopping credit cards: These credit cards offer rewards and perks for travel-related purchases such as flights, hotel stays, lounge access, and car rentals. Most travel credit cards provide travel insurance and other travel-related benefits.
- Co-branded shopping credit cards: Co-branded shopping credit cards come in partnership with a specific retailer or brand. They usually offer discounts, rewards, or cashback for purchases made at the retailer or brand.
How To Apply For A Shopping Credit Card?
On The CreditMantri Website
It is very easy to apply for shopping credit cards through CreditMantri, and you can complete the application via these simple steps.1. Click on “CHECK ELIGIBILITY”
2. Fill in information like Mobile number, residence city, employment type, email ID, residence Pin code, any loans, etc.
3. Click on “Submit”
4. Enter the OTP forwarded to your registered mobile number.
5. Follow the instructions and complete the rest of the application
Through The Bank’s Website
You can apply through the respective bank’s website since most banks are accepting online applications. Follow the steps below to apply.Step 1: Visit the respective bank’s website
Step 2: Search for the shopping credit card that you want to apply for
Step 3: Click on the card to access detailed information about it.
Step 4: Click on the ‘Apply’ button to submit an online application for the same
Step 5: Fill in all the necessary fields with accurate details on the online application page.
Step 6: Read the terms and conditions before accepting
Step 7: Click on ‘Submit’
Step 8: The system will generate an application reference number on successful submission of the application.
Step 9: The bank will take three to four days to review the application, and if all the eligibility criteria are fulfilled, you will get a call informing you about further steps in the application process.
Offline Application
You can walk into any branch of the bank or credit card company with the required documents and fill out the form to apply for the shopping credit card. A representative from the bank will help you with applying for the Credit card.Conclusion
Shopping credit cards are highly beneficial to people who shop a lot. Remember to use your shopping credit card smartly. Ensure to keep up with the latest offers and make good use of rewards, cashback, welcome benefits, milestone spend waivers, etc.
FAQs Of Shopping Credit Cards
1. What are the benefits of store credit cards?
Store credit cards offer in-store or online discounts and membership perks. Cardholders may be able to return items without a receipt or take advantage of extended returns, avail free shipping, attend members-only events, or access financing and installment plan options.
2. Is A PIN necessary for Credit card shopping?
Only two types of credit card transactions require a PIN - Purchases at some stores when you are traveling abroad, or a cash advance at an ATM.